APR: 939.5% Representative
Loan amount: £200 - £1,500
Repayment duration: 2 - 6 Months
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4.7 out of 5 from 132 reviews

Decent Service

09:31 27-07-2017

Imagevia Choose Wisely

very easy process, all online, no problems or issues highly recommended if in need of short term cash

Nick W

helped me for christmas

18:08 06-12-2017

Imagevia Smart Money People

very pleased that i was helped out for christmas cant thankyou enough

Nicholas Edwards

Great Service

16:42 24-07-2017

Imagevia Choose Wisely

Would reccomend this service to anyone


Conscientious and Courteous

07:42 06-12-2017

Imagevia Smart Money People

A good company which has the interests of its customers at heart, always happy to answer any questions you may have and do their utmost to ensure they facilitate you in your applications.

Hugh Mackenzie

brilliant service

09:43 12-07-2017

Imagevia Choose Wisely

fast and efficient service, i will recommend it to everyone

Amram Ben-David

Simple Loan

15:18 04-12-2017

Imagevia Smart Money People

Had nothing but ease with moneyboat, the process was fairly straight forward, contact with them is pretty good aswell. Once everything is checked and verified its pretty quick!


trustworthy lender.

20:15 19-04-2017

Imagevia Choose Wisely

They do what they say they will. Easy to communicate with and listen to what you say. thank you MoneyBoat.

Keep Private

Quick loan when needed

21:21 27-11-2017

Imagevia Smart Money People

Process was seamless and great communication throughout. Happy when calling up and got clear answers and cash in my account when expected.


best service ever. quick and friendly

18:19 22-03-2017

Imagevia Choose Wisely

Realy amazing customer service!! I was short a bit this month and they were happy to help,! Thank you so much!! I wish i found them first!


Easy service!

20:00 27-11-2017

Imagevia Smart Money People

One application and all done! Took longer than expected to receive funds mind.

John Wright

Our review of

Our review by Alex
Written by: Alex
Consumer sentiment


Based in London and part of Evergreen Finance London Limited, are a transparent and flexible provider of high-cost short-term loans. offer one of the cheaper high-cost short-term loans at an interest rate of 0.7% a day rather than the more common 0.8% (which is the price cap set by the FCA). don't charge any fees for arranging the loan or repaying it early, however, there are charges for missed payments – this is a flat fee along with any daily interest that is accrued. are very transparent about these fees and they shouldn’t come as a surprise if you do happen to miss a payment.

General sentiment across the web for is positive. At the time of writing, Moneyboat had scored 4.7/5 from the reviews consolidated on Choose Wisely from Trustpilot and Smart Money People. On Review Centre has again scored 4.7/5, this time from almost 600 reviews. Across the board particular praise goes to their friendly staff and painless application process.

As with any high-cost short-term product the usual warning applies. If you have any doubt whether you can afford to repay your loan on time and in full, then don’t apply. By missing or being late with repayments, you will not only harm your credit file but could be subject to a number of fees, which can soon make things very expensive.

Overall verdict: If you’re set on a high-cost short-term loan then with strong reviews and a reasonable price point (for this type of product) are a serious contender. Just ensure you can meet the repayments before you apply.


  • Competitive representative APR
  • You can repay early with no extra charge or fee
  • Transparent information about their charges
  • Simple application form
  • Fixed repayment instalments

Minimum criteria

  • You must be employed full or part time
  • You must earn a minimum net monthly pay of £1,000
  • You will need to be aged 18 or over
  • You must have an email address


  • Maximum APR 939.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £15 Customer Question & Answers

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About are a short term loan provider offering loans of between £200 and £800 to new customers and up to £1500 for existing customers (subject to passing credit and affordability checks).’s representative APR is 939.5% and they have a flat interest rate of 0.7% a day. Loans are repaid over a minimum term of 2 instalments and a maximum of 6 months. The minimum instalment duration for the first instalment is 5 days with the maximum term between instalments being 45 days. 

When applying with Moneyboat, applications are completed online and passed to’s underwriting team who are available to process the loan during the weekday working hours of 8:30am and 5:30pm. To be eligible for a loan with you will need to be over 18, be employed either full or part time and earn at least £1,000 per month. 

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Product data last updated: 1:34pm 9/10/2017
Warning: Late repayment can cause you serious money problems. For help, go to